Personal Financial Advisor Salary in Cincinnati, OH
Personal Financial Advisors in the Cincinnati, OH-KY-IN metro area earn a median $80,540 a year — 23% less than the national median. After 2026 taxes, that is $64,057 take-home, or $5,338 a month.
Take-home pay calculator
Pre-filled with the median personal financial advisor salary in Cincinnati, OH. Enter your own offer to see your paycheck.
- Federal income tax$8,889
- Social Security (6.2%)$4,993
- Medicare (1.45%)$1,168
- Ohio income tax$1,432
- Take-home pay$64,057
Marginal rate: 22% federal + 2.75% state
The Cincinnati, OH-KY-IN metro spans Ohio, Kentucky, Indiana. Pick the state you live in — state income tax follows your residence.
Personal Financial Advisor pay by experience in Cincinnati, OH
| Percentile | Salary | Hourly | Take-home / yr | Per month |
|---|---|---|---|---|
| 10th percentile (entry level) | $45,220 | $21.74 | $38,053 | $3,171 |
| 25th percentile | $61,170 | $29.41 | $50,430 | $4,203 |
| Median (50th) | $80,540 | $38.72 | $64,057 | $5,338 |
| 75th percentile | $166,740 | $80.16 | $121,430 | $10,119 |
| 90th percentile (top earners) | $307,940+ | $148.05 | $212,465 | $17,705 |
Wages: BLS Occupational Employment and Wage Statistics, May 2025. Take-home: single filer, Ohio resident, 2026 tax rules.
What $80,540 buys in Cincinnati, OH
Prices in Cincinnati, OH are 4.6% lower than the U.S. average (housing costs are 12% below the national average). Adjusted for local prices, a median personal financial advisor's $64,057 take-home pay has the buying power of $67,167 in a typical American city.
Rents: HUD Fair Market Rents, FY2026 (40th-percentile gross rent incl. utilities). Price levels: BEA Regional Price Parities, 2024.
Cincinnati, OH has 1.3× the national concentration of personal financial advisor jobs — a strong local market for this occupation.
Best-paying cities for personal financial advisors, adjusted for cost of living
Cincinnati, OH ranks #50 of 66 metro areas once taxes and local prices are taken into account.
| # | Metro area | Median salary | Take-home | Real value* |
|---|---|---|---|---|
| 1 | New York, NY | $170,050 | $118,502 | $105,277 |
| 2 | Greensboro, NC | $126,310 | $93,068 | $100,218 |
| 3 | Kansas City, MO | $123,140 | $90,582 | $97,881 |
| 4 | Milwaukee, WI | $125,810 | $91,970 | $94,876 |
| 5 | Madison, WI | $126,000 | $92,090 | $94,658 |
| 6 | San Francisco, CA | $160,610 | $108,248 | $93,629 |
| 7 | Bridgeport, CT | $135,770 | $98,069 | $91,770 |
| 8 | Pittsburgh, PA | $115,600 | $86,606 | $91,481 |
| 50 | Cincinnati, OH | $80,540 | $64,057 | $67,167 |
*Take-home pay divided by the BEA price level, so every city is measured in U.S.-average dollars. See all 66 metros →
Personal Financial Advisor salaries elsewhere in Ohio
- Cleveland, OH — $81,130
- Columbus, OH — $81,600
Frequently asked questions
How much does a personal financial advisor make in Cincinnati, OH?
The median personal financial advisor salary in the Cincinnati, OH-KY-IN metro area is $80,540 a year, or about $38.72 an hour, according to the Bureau of Labor Statistics (May 2025). The middle half earn between $61,170 and $166,740.
What is a personal financial advisor’s take-home pay in Cincinnati, OH?
On the median $80,540 salary, a single filer living in Ohio takes home about $64,057 a year ($5,338 a month) after federal tax, Social Security, Medicare and $1,432 in Ohio taxes in 2026.
Is Cincinnati, OH a good place to work as a personal financial advisor?
Pay here is 23% below the national median of $105,070. Local prices are 4.6% below the U.S. average, so the take-home pay buys what $67,167 would in a typical U.S. city. Cincinnati, OH ranks #50 of 66 metro areas for cost-of-living-adjusted pay in this job.
Can a personal financial advisor afford rent in Cincinnati, OH?
HUD’s fair market rent for a one-bedroom in Cincinnati, OH is $1,043 a month ($1,342 for two bedrooms) — 20% of a median personal financial advisor’s monthly take-home pay. Financial planners usually suggest keeping rent under about 30%.
Related jobs in Cincinnati, OH
- Management Analyst — $97,360
- Project Management Specialist — $95,380
- Labor Relations Specialist — $95,350
- Financial and Investment Analyst — $86,040
- Insurance Underwriter — $82,110
- Accountant and Auditor — $80,640
- Logistician — $79,990
- Financial Specialists, All Other — $79,580
- Compliance Officer — $79,310
- Cost Estimator — $79,130
- Financial Examiner — $78,310
- Claims Adjusters, Examiners, and Investigators — $77,640